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All Journal Jurnal Ekonomika dan Bisnis Islam International Journal of Artificial Intelligence for Digital Marketing
Mubarok, Muhammad Dzulfahmi
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Economics, Econometrics & Finance Environmental Science

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LITERASI NASABAH DALAM PENGAMBILAN KEPUTUSAN PEMBIAYAAN PADA BANK SYARIAH INDONESIA KC JENGGOLO: CUSTOMER LITERACY IN FINANCING DECISION MAKING AT BANK SYARIAH INDONESIA KC JENGGOLO Mubarok, Muhammad Dzulfahmi; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 3 (2024): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n3.p76-89

Abstract

Customer literacy in financing decision-making at Islamic banks is an important aspect that customers must possess in the financing decision-making process. This research aims to determine the level of literacy possessed by customers of Shariah banks, specifically focusing on the case study of financing customers at Bank Syariah Indonesia KC Jenggolo in making financing decisions. The approach and method used in this research are qualitative descriptive approach and case study method. Based on the research results, it can be concluded that financing customers of Bank Syariah Indonesia KC Jenggolo do not yet have adequate literacy regarding the financing available at Bank Syariah Indonesia in several aspects when customers make financing decisions. The results of this research can be used by banks as a fact in the field regarding the importance of literacy regarding financing and the fact that there are still customers who have poor literacy regarding the financing they have taken.
MSME HUMAN CAPITAL TO BUILD SUSTAINABLE MSMES IN THE INDUSTRY ERA 5.0 (CASE STUDY OF MSMES IN KLOJEN MARKET) Mubarok, Muhammad Dzulfahmi; Abadiyah , Rifdah
International Journal of Artificial Intelligence for Digital Marketing Vol. 2 No. 12 (2025): International Journal of Artificial Intelligence for Digital Marketing
Publisher : PT ANTIS INTERNATIONAL PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijaifd.v2i12.470

Abstract

Objective: As the Industry 5.0 era develops, MSMEs must concentrate on developing human resources as the primary driver of company in addition to using technology. In order to support MSMEs' aspirations in the era of Industry 5.0, this study will examine the human capital model of MSME actors in Klojen Market, Malang City. Method: The study employs a qualitative descriptive methodology, gathering data through documentation, interviews, and observation. MSME actors, market managers, and academics who were purposefully chosen served as research informants. The stages of data reduction, data presentation, and conclusion drawing were used in the data analysis process, together with source and technique triangulation for data validity assessment. Results: The study findings show that the four main indicators of human capital of MSMEs in Klojen Market are experience, expertise, behavior, and skills. Building MSME flexibility and resilience to market shifts and crises begins with business experience. Improving transaction efficiency and company competitiveness is influenced by expertise and skills, especially digital skills such as the use of social media and QRIS. Maintaining social connections with clients and acting in a friendly and communicative manner are examples of human-centricity, which is consistent with the characteristics of Industry 5.0. Furthermore, human capital drives sustainability and resilience through business hygiene, environmental awareness, and adaptability. Novelty: According to the study findings, the sustainability of MSMEs in the Industry 5.0 era is highly dependent on the quality of their human capital.
Co-Authors Abadiyah , Rifdah Rachma Indrarini